A CTO's framework for going from vibe coding to world-class.

About the guest
CTO at Dotfile
James has 25+ years of experience building high-performance teams and launching successful products. He has a proven track record transforming startups into scale-ups through process innovation, strategic product development, and people-first leadership. James has built a bank from scratch, open-sourced a world-class architecture, advised leadership teams, coached executives, and sat on multiple boards.
AI can now write code, generate documents, debug issues, and produce architecture in a matter of seconds. For an industry where technical skill has long been the clearest path to career value, that raises an uncomfortable question: if AI can do the parts of the job that once made you valuable, what actually becomes the differentiator?
In this episode of Build Your Edge, host Jack Cole is joined by James Trunk, newly appointed CTO at Dotfile — a global business verification (KYB) platform — and former VP of Engineering at Griffin Bank, where he grew the engineering team roughly tenfold over five years. James brings a rare combination of hands-on technical depth and leadership experience to a conversation that goes well beyond the usual "AI will change everything" talking points.
At the heart of this episode is a practical model James has developed for understanding where individuals and teams actually sit on the AI adoption curve:
James walks through each level with real examples, explains the common traps at each stage (including the "witch doctor" pitfalls of over-engineered prompting), and shares how long it realistically takes to progress through them.
Beyond the framework, Jack and James dig into a wide range of practical, currently-live questions facing engineering leaders and job seekers alike:
Despite the episode's AI framing, the throughline is fundamentally human: adaptability, communication, quality judgment, and keeping people genuinely in the loop remain the real differentiators — for individuals and for the teams and businesses they build.
James Trunk is CTO at Dotfile, a global business verification platform focused on Know Your Business (KYB) compliance for financial institutions and regulated industries. He previously spent five years as VP of Engineering at Griffin Bank, where he helped build the company's engineering, design, and product functions from an early-stage team of five or six into a mature organization — including an in-house onboarding and financial crime function that laid the groundwork for his current role at Dotfile.
James has shared a slide deck summarizing his five-level agentic engineering framework — a handy reference if you want to revisit the model without re-listening to the full conversation. Dotfile is currently hiring for full-stack engineering and product management roles; details are in the episode.
As always, don't forget to download this week's free digital asset at buildyouredge.org and put today's conversation into practice — retention jumps significantly when you apply what you've learned rather than just listening.
Other episodes covering the same ground.

What we might lose while chasing the benefits.
Eloisa Tovee · 93 mins
Listen or watch